Batch Capital: Business Funding, Made Simple.

Term loans, SBA loans, lines of credit, equipment financing and working capital, from one desk. One application and a straight answer on every option.

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What We Do

$5K – $2M
Funding amounts
24 – 48 hrs
From approval to funded
3 months
Bank statements to apply
All industries
Businesses we fund
How it works

Funded in Three Simple Steps.

No lengthy bank process and no hoops. Apply, get matched with the right lenders, and get funded, with competitive, transparent terms and no hidden fees.

01

Apply in minutes

One short application, about 5 to 10 minutes. All we need to start is three months of business bank statements.

02

We underwrite it

Matt reads your statements the same day. If we are funding it, he tells you the structure. If a partner is the better home for it, he tells you which, so you see real offers fast, often within 24 hours.

03

Get funded

Approve the offer that fits and the funds land in your account, often within 24 to 48 hours.

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What you qualify for

Three Questions. One Honest Range.

Sized on deposits, no credit check. For the cost side, use the advance calculator.

Months in business
What the money is for
Estimated range$20,000 to $50,000
Likely fits
  • A working capital advance
  • A line of credit or a term loan
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No hard credit pull. The amount carries over.

Estimates only. Results depend on the figures you entered and standard assumptions. This is not an offer or a guarantee of funding, does not determine eligibility, and should not be relied on as an accurate statement of the terms available. Actual terms depend on underwriting.

For merchants

Funding That Fits Your Business.

Strong operators, seasonal shops and companies rebuilding. One short application, read by a person, and a straight answer across every product we work.

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By industry: contractors · trucking · restaurants · medical. By town: Hackensack · Fort Lee · Paterson · Jersey City.

What an advance costs

Type an amount, then set the factor rate and term to see the payback and its Estimated APR.

$

Payback

$37,500

Factor rate: 1.25

Term: 9 mo

Factor 1.25 over 9 months costs $7,500 · Estimated APR 62%

Illustrative only. Factor rates across our providers currently run 1.25 to 1.50. Estimated APR assumes even daily remittances and no fees. Actual terms are set at underwriting.

Every line of credit

One Desk for Every Kind of Funding.

Term loans, SBA loans, lines of credit, equipment financing and advances, matched to what the business actually needs.

Term loans

Fixed monthly payments over a set term, for an expansion, a purchase or a refinance.

SBA loans

SBA 7(a) loans up to $5 million, including for buying a business, and 504 loans up to $5.5 million for real estate and major equipment. 7(a) terms run up to 10 years, or 25 for real estate; 504 loans run 10, 20 or 25 years.

Lines of credit

Draw what you need when you need it, and pay interest only on what is outstanding.

Equipment financing

Trucks, machines and buildouts, financed against the equipment itself.

Working capital advances

Funded by us with our own capital, often within 24 to 48 hours of approval, repaid from card sales or a fixed transfer.

Consolidation and refinancing

Roll existing advances or high-cost debt into one structure the business can carry.

Commonly Asked Questions

Batch Capital is the business-funding division of Batch Group. It funds working capital advances with its own capital, including advances repaid through the merchant's card terminal, and places term loans, lines of credit and equipment financing with its funding partners, with funding from $5,000 to $2 million and approvals in as little as 24 hours.

What is a merchant cash advance?
A merchant cash advance gives your business a lump sum of capital in exchange for a set percentage of your future sales. You repay a little at a time as you earn, so payments flex with your revenue instead of a fixed monthly bill. It is a fast, flexible alternative to a traditional bank loan.
How does Batch Capital work?
You send one short application and three months of business bank statements. Our team reviews your file and shops it across our network of lenders to find the best offer, then you pick the one that fits and get funded, often within 24 to 48 hours.
What does a merchant cash advance cost?
An advance is priced with a factor rate, which our funding providers currently set between 1.25 and 1.50. A $30,000 advance at 1.25 means $37,500 paid back. Repaid over 12 months that is an Estimated APR of about 46%; over 6 months, about 92%. Compare offers on Estimated APR and total payback, not the factor alone. Terms are set by the provider.
How much funding can I get?
Batch Capital funds businesses from $5,000 up to $2 million, sized to your revenue and your needs. Many businesses qualify for an amount based on their average monthly deposits.
How fast can I get funded?
Most approvals come back within 24 hours, and funds typically reach your account within 24 to 48 hours of approval.
What do I need to apply?
A short application and three months of recent business bank statements. There are no application fees, and the form usually takes only 5 to 10 minutes to complete.
What products does Batch Capital offer?
Merchant cash advances, term loans, business lines of credit, and working capital. We match the structure to your business rather than forcing you into one product.
Do I need perfect credit or collateral?
No. We work with businesses of every size and stage, including those a bank has turned down. Approval is based mainly on your revenue rather than your credit score alone, and most funding requires no collateral.
What industries and areas do you fund?
We fund businesses across nearly every industry, including retail, restaurants, e-commerce, medical, construction, trucking, and services, nationwide across the United States.
From the blog
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Ready to Get Your Business Funded?

One application, a straight answer on what it will do, and a team that works the file from first call to funded.

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Matt Curran
Reviewed byMatt CurranDirector of Batch Capital
Last updated

This page is general information, not financial, legal or tax advice. Talk to your accountant or attorney about your own situation.